The interests of the persons insured are of central importance to the Foundation Board, Management Board and employees. This is reflected in insurance benefits appropriate to the modern-day situation, proficient management, an investment strategy in keeping with the risk-carrying capacity of the fund, as well as in open, clear, appropriate and timely communication.

In adopting this approach, Livica upholds the following values in particular:

• In spite of the low administration costs, the quality of the service and benefits must be good. 
• The contributions paid by the persons insured and by employers as well as the yields on assets are invested solely in the occupational pension funds of the persons insured. 
• The investment risk is reduced by virtue of a diversified investment portfolio. The strict separation of strategy, actions and oversight provides additional security.